This lawsuit is an inevitable measure when the credit card signing users fail to repay their debts within the time limit and exceed the bank's credit card risk control line (let's just say so), which is intended to protect the interests of banks and control the risk of credit card fraud;

At this time, you should go to the bank to repay the loan immediately and negotiate with the bank (if you show that the repayment is delayed due to involuntary factors, of course, you should provide true proof materials);

If you still don't return it, you will be prosecuted for suspected credit card fraud (or other);

The consequences are: there is little chance of going to jail (the domestic credit card limit is roughly within 50 thousand, and the arrears within this limit do not constitute imprisonment; However, if the breach of contract is serious, it may be taken for a while, but it will do great damage to your credit, that is, entering the "blacklist" of credit card users will affect your application for credit business in the future;